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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,606 | $60,349-54.3% | $74,184-62.8% | $62,881-56.1% |
| Participation rate | 47.9% | 72.7%-24.8pp | 76.6%-28.7pp | 69.3%-21.4pp |
| Annual return | 7.75% | 21.38%-13.6pp | 17.74%-10.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $548 | $1,680-67.4% | $2,370-76.9% | $2,281-76.0% |
| Participant deferral / active EE | $1,732 | $2,856-39.4% | $3,550-51.2% | $3,203-45.9% |
| Admin fee / account holder | $2,270 | $4,261-46.7% | $5,586-59.4% | $4,296-47.2% |